SHINE RESUNGA DEVELOPMENT BANK LIMITED's VISA Credit Card is a revolving credit facility provided by the bank to our customers for purchase of any preferred goods/services & pay later. SHINE RESUNGA DEVELOPMENT BANK LIMITED VISA Credit card provides a secure and convenient method for performing transactions in fast and efficient way. This Card are accepted as cash substitutes for all kinds of purchases – be it hotel, bill payments, purchasing the latest gadgets, and online and retail shopping. You can pay for small-value and big-ticket items easily with your SHINE RESUNGA DEVELOPMENT BANK LIMITED VISA Credit Card.

Purpose

·         To make payment of your personal expenses

Who can apply for Shine Resunga Visa Credit Card?

·         Salaried Person

·         Professionals (Chartered Accountants, Doctors, Engineers, etc.)

·         Business Person

·         Existing Loan Customers of the Bank

·         Existing Payroll Customers of the Bank

·         Existing High-Value Deposit Customers of the Bank

Eligibility Criteria

·         Age:18-69 Years

·         Minimum 2 years of work experience/ business experience 

·         Audited/Management Prepared Financial statement in case of business 

·         Salary certificate not older than 3 months for salaried person

·         Bank statement of last 6 months for income verification 

Tenure

·         Valid for 5 years

SHINE RESUNGA CREDIT CARD FEES & CHARGES
Particulars	Charges
	Option 1	Option 2
Joining Fee	NPR.1,000/-	NPR. 1,000/-
Installment Fee (Card validity with 5 years)	NPR 1,000/-	NPR. 3,750/- (If paid 5 installment all at one time)
Replacement Fee(Lost, Damaged, Destroyed)	NPR 1,000/- per card
On-us Cash Advance (SRDB ATM)	NPR 100/- + 2% of the Txn amount
Off-us Cash Advance (Other Banks ATM)	NPR 200/- + 2%of the Txn amount
Off-us Cash Advance (Indian Banks ATM)	NPR 250/- + 2%of the Txn amount
Interest on Cash Advance	2% per month (24% per annum)
Interest on Remaining dues (Purchase)	2% per month(24% per annum)
Late Payment Fee (Commitment fee)	NPR 500/-
PIN Re-Generation Fee	NPR 100/-
Over Limit Fee	NPR 500/-
Statement Reprint Fee	NPR 100/-
Balance Enquiry in SRDB ATM	Free
Balance Enquiry in other Banks’ ATM	NPR. 50/-
Balance Enquiry in India	NPR 50/-
Minimum Payment	10% of due amount or NPR 1,000/- whichever is higher

 

*Note: Fees, charges and limits are subject to change as per bank’s policy from time to time, please visit our website for latest information.

Card Transaction Limits[Figures in NPR]
Transaction Type	Limit Per Transaction			Daily			Monthly
	Nepal		India	Nepal		India	Nepal	India
ATM-Cash Withdrawal	25,000/-		16,000/-	100,000/-		16,000/-	400,000/-	160,000/-
Count				10	5		100	50
Purchase	50,000/-	25,000/-		100,000/-	50,000/-		300,000/-	150,000/-
NFC[Tap & Pay]	5,000/-

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